Save on 2003 Chevrolet Silverado 3500 Car Insurance Quotes

Looking for cheaper insurance rates for your Chevrolet Silverado 3500? If price shopping insurance online is new to you, you can be overwhelmed by the hoards of insurance companies offering coverage.

It’s a good idea to compare prices on a regular basis because prices go up and down regularly. Despite the fact that you may have had the best price for Silverado coverage six months ago there is a good chance you can find better rates now. Starting right now, forget anything you know (or think you know) about insurance because you’re going to get a crash course in the quickest way to find better rates and still maintain coverage.

If you have car insurance now, you should be able to cut costs considerably using these tips. The purpose of this post is to teach you how to get online quotes and some money-saving tips. Although vehicle owners can benefit from knowing the way companies sell online.

How to Compare Car Insurance Quotes

There are several ways to get quotes and find the best price. The recommended way to find the lowest 2003 Chevy Silverado 3500 rates is to use the internet to compare rates. This can be done in a couple of different ways.

  1. One of the simplest ways to find low rates would be an industry-wide quote request form (click to open form in new window). This type of form prevents you from having to do a different quote for each company you want a rate for. A single, simple form compares rates from multiple low-cost companies.It’s the quickest way to get rates.
  2. A more time consuming way to get quotes online is to manually visit the website of each company to request a price quote. For examples sake, we’ll assume you want comparison quotes from State Farm, Safeco and Allstate. You would have to go to every website to input your insurance information, which is why most consumers use the first method.

    For a list of links to companies insuring cars in your area, click here.

It’s up to you which method you use, but make sure you use exactly the same coverage information with every price quote. If you compare unequal deductibles or liability limits it will be next to impossible to determine which rate is truly the best. Slightly different coverages could mean much higher rates. And when quoting car insurance, remember that getting more free quotes will increase your chances of finding a lower rate.

Cut your premium with discounts

Auto insurance companies don’t list every discount in an easy-to-find place, so we break down some of the best known and also the lesser-known discounts you could be receiving.

  • Passive Restraint Discount – Cars that have air bags and/or automatic seat belt systems can qualify for discounts of up to 25% or more.
  • Accident Forgiveness – Certain companies will allow you to have one accident before your rates go up as long as you don’t have any claims for a set time period.
  • No Claims – Drivers who don’t have accidents can save substantially as compared to accident-prone drivers.
  • 55 and Retired – Older drivers may receive a small decrease in premiums for Silverado coverage.
  • Clubs and Organizations – Being a member of certain professional organizations may earn a discount on your policy for Silverado coverage.
  • Anti-lock Brake System – Anti-lock brake equipped vehicles can avoid accidents and earn discounts up to 10%.
  • Save with a New Car – Putting insurance coverage on a new car can save up to 30% since new cars are generally safer.
  • Safe Drivers – Safe drivers may save up to 50% more for Silverado coverage than their less cautious counterparts.
  • Theft Prevention Discount – Anti-theft and alarm systems are stolen less frequently and earn discounts up to 10%.
  • More Vehicles More Savings – Having multiple cars or trucks with the same company qualifies for this discount.

Consumers should know that many deductions do not apply to all coverage premiums. The majority will only reduce specific coverage prices like liability, collision or medical payments. So even though they make it sound like it’s possible to get free car insurance, you’re out of luck.

To see a list of companies with the best insurance coverage discounts, follow this link.

What is the best insurance coverage?

When it comes to choosing the best insurance coverage coverage, there really is no cookie cutter policy. Every insured’s situation is different.

Here are some questions about coverages that might help in determining whether you may require specific advice.

  • What is the ISO rating for a 2003 Chevy Silverado 3500?
  • I don’t drive much so do I pay less?
  • Can I afford to buy a different vehicle if my 2003 Chevy Silverado 3500 is totaled?
  • Why do I only qualify for high-risk insurance?
  • What is roadside assistance coverage?
  • What is the rate difference between pleasure use and commuting?
  • Should I get collision insurance on every vehicle?
  • Should I buy full coverage?
  • Do I have coverage for damage caused while driving under the influence?

If you’re not sure about those questions but one or more may apply to you, you may need to chat with a licensed agent. If you don’t have a local agent, simply complete this short form.

Car insurance 101

Knowing the specifics of a insurance policy can help you determine the best coverages and proper limits and deductibles. Policy terminology can be ambiguous and coverage can change by endorsement.


This coverage will cover damage or injury you incur to other people or property in an accident. This insurance protects YOU from legal claims by others, and doesn’t cover your injuries or vehicle damage.

It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have values of 25/50/25 that translate to $25,000 in coverage for each person’s injuries, a total of $50,000 of bodily injury coverage per accident, and $25,000 of coverage for damaged propery.

Liability can pay for claims like medical services, legal defense fees, medical expenses and repair bills for other people’s vehicles. How much coverage you buy is your choice, but it’s cheap coverage so purchase as high a limit as you can afford.

Protection from uninsured/underinsured drivers

Your UM/UIM coverage gives you protection when the “other guys” either are underinsured or have no liability coverage at all. Covered claims include injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Since many drivers only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is very important.

Comprehensive (Other than Collision)

Comprehensive insurance coverage pays to fix your vehicle from damage that is not covered by collision coverage. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive insurance covers things like hail damage, vandalism and a broken windshield. The maximum amount you’ll receive from a claim is the ACV or actual cash value, so if it’s not worth much more than your deductible consider dropping full coverage.

Coverage for collisions

Collision coverage pays for damage to your Silverado 3500 from colliding with another car or object. A deductible applies then the remaining damage will be paid by your insurance company.

Collision coverage pays for things like sideswiping another vehicle, driving through your garage door, scraping a guard rail, hitting a parking meter and crashing into a building. Collision is rather expensive coverage, so you might think about dropping it from vehicles that are older. Another option is to increase the deductible to get cheaper collision coverage.

Medical expense insurance

Med pay and PIP coverage reimburse you for expenses like EMT expenses, doctor visits, ambulance fees, surgery and X-ray expenses. They are often used to cover expenses not covered by your health insurance program or if there is no health insurance coverage. They cover not only the driver but also the vehicle occupants and also covers if you are hit as a while walking down the street. Personal injury protection coverage is not an option in every state and gives slightly broader coverage than med pay

Cheaper insurance is a realistic goal

Cheaper 2003 Chevy Silverado 3500 insurance is attainable from both online companies in addition to many insurance agents, and you need to price shop both to get a complete price analysis. Some companies do not provide the ability to get a quote online and usually these smaller companies provide coverage only through local independent agents.

When buying insurance coverage, it’s not a good idea to reduce coverage to reduce premium. In too many instances, consumers will sacrifice comprehensive coverage or liability limits and discovered at claim time that it was a big error on their part. Your strategy should be to buy enough coverage for the lowest price, not the least amount of coverage.

Consumers who switch companies do it for any number of reasons including high prices, being labeled a high risk driver, lack of trust in their agent and policy non-renewal. It doesn’t matter what your reason, finding a new company is easier than you think.

Additional auto insurance information is available on the following sites: